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Chariton city, IA

ZIP 50049 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50049

Median Home Value
$123,700
Median Rent
$573
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$795/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 50049 in Chariton city, IA, a household would need roughly $34,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $795. That sits below the local median household income ($66,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
77.4%-11% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
26.9%-46% vs US avg
x
Mortgage-Free
47.9%+25% vs US avg
x
$123,700
Home Value
$573
Rent
1966
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached81.1%
  • 1-unit attached0.0%
  • 2-9 units3.7%
  • 10+ units11.7%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$123,700
Median rent$573
Owner-occupied76.6%
Vacant6.4%
Price-to-income1.9x
Est. income to buy$34,000